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OIR conducts a public rate hearing regarding the Citizens Property Insurance Corporation (Citizens) rate filing to hear testimony from the company and receive public comment. Details regarding the most recent rate hearing are available below.

Citizens Property Insurance Corporation
Public Rate Hearing

2023 Citizens Rate Hearing

The Florida Office of Insurance Regulation (OIR) conducted a rate hearing to receive public comment for Citizens’ proposed rate changes at 3 p.m. on Thursday, June 8, 2023.

The purpose of the public hearing was to discuss Citizens’ proposed rate changes for its business in the Coastal Account (CA), Commercial Lines Account (CLA), and the Personal Lines Account (PLA).

Public Comments / Testimony

Comments were accepted for consideration on rate filings until 5:00 p.m. on June 22, 2023. Under Florida law, written communications to the OIR are public record and subject to disclosure, including being available to the public and media.

The chart below provides the overall estimated statewide average rate changes for personal lines accounts (PLA), commercial line accounts (CLA) and coastal accounts (CA). Rate filings can be accessed via the Insurance Regulatory Filing System (IRFS) using the file log numbers or company name. The most recent filing information will be at the bottom of the results page.

Order 314720-23: Commercial Lines Accounts

Order 314719-23: Personal Lines Accounts

Order 31614-23: Personal Lines Accounts

File Log #AccountOriginal Rate RequestedEstablished Rate
23-017031Commercial Residential Property Multi-Peril Condominium Associations (CLA & CA) +9.2%+9.2%
23-017033Commercial Residential Property Multi-Peril Excluding Condominium Associations (CLA & CA) +9.5%+9.5%
23-017556Commercial Non-Residential Property Multi-Peril (CLA & CA) +7.7%+7.7%
23-017858Commercial Residential Property Wind Only Condominium Associations (CA) +9.8%+9.8%
23-017856Commercial Residential Property Wind Only Excluding Condominium Associations (CA)+10.6%+10.6%
23-018154Commercial Non-Residential Property Wind Only (CA)+12.0%+12.0%
23-015789Homeowners Multi-Peril (PLA)+12.5%+11.3%
23-015790Homeowners’ Multi-Peril (CA) +14.6%+14.6%
23-016018Property/Personal (Dwelling Fire) (PLA)+12.3%+12.1%
23-016021Property/Personal (Dwelling Fire) Wind Only (CA)+17.2%+17.2%
23-016253Mobile Homeowners Multi-Peril (PLA)+22.1%+22.0%
23-016256Mobile Homeowners Multi-Peril (CA)+24.2%+24.1%
Mobile Homeowners Physical Damage (PLA)
23-016411Mobile Homeowners Physical Damage Wind Only (CA)+17.6%+17.6%


The revised proposed Citizens rate filings listed below can be accessed via the IRFS Forms & Rates Filing Search system by using the following search criteria: file log numbers (see chart below) or by entering “Citizens” as the “company name” in the “Quick Search” tab. Scroll down to the bottom of the results page for the most recent filing information.
File Log #Overall Proposed ChangeAccountProposed Rate Level Effect by Territory and County
23-015789+12.5%Homeowners Multi-Peril (PLA) HO-3, HO-4, HO-6 (PLA)
23-015790+14.6%Homeowners’ Multi-Peril (CA) HO-3, HO-4, HO-6 (CA)
23-016018+12.3%Property/Personal (Dwelling Fire) (PLA) DP-1, DP-3 (PLA)
23-016021+17.2%Property/Personal (Dwelling Fire) Wind Only (CA) DW-3 (CA)
23-016253+22.1%Mobile Homeowners Multi-Peril (PLA) MHO-3, MHO-4 (PLA)
23-016256+24.2%Mobile Homeowners Multi-Peril (CA) MHO-3 (CA)
Mobile Homeowners Physical Damage (PLA)
23-016411+17.6%Mobile Homeowners Physical Damage Wind Only (CA) MHO-Dwelling (CA)
23-017031+9.2%Commercial Residential Multi-Peril Condo Assn. (CLA) CRM Condo (CLA)
23-017033+9.5%Commercial Residential Multi-Peril Excluding Condo Assn. (CLA) CRM Non-Condo (CLA)
23-017556+7.7%Commercial Non-Residential Multi-Peril (CLA) 
23-017856+10.6%Commercial Residential Wind Only Excluding Condo (CA) CRW Non-Condo (CA)
23-017858+9.8%Commercial Residential Wind Only Condo Assn. (CA) CRW Condo (CA)
23-018154+12.0%Commercial Non-Residential Wind Only (CA) CRNW (CA)